Car insurance quotes – Westland Insurance

Why you should work with Westland to get an auto insurance quote

• Expert advisors go above and beyond: Our advisors go the extra mile every step of the way, and do the legwork to provide personalized coverage solutions that fit our clients’ lives.
• Our large network of insurers means more choice: We have a large network of insurers that we can tap into – guaranteeing great rates and options – so clients know they’re not missing out.
• We work hard to make things simple: Whether it comes to finding the right coverage or navigating a claim, we keep things simple and use language that everyone can understand.
• Our advisors are part of your community: Westland advisors are local, so they understand the unique needs of your community. And, they’re easy to get hold of, in person, over the phone or on email.
• We’re here for you when you need us most: When it comes to the claims process, we advocate for our clients and take the stress off them during a tough time. We’ve always got their backs.
• A one-stop insurance shop: We’ve got you covered. From high-value and cross-border coverage to small businesses and complex risk management for enterprises, our expertise is unmatched.
• Canada’s best reviewed insurance provider: Incorporating a broker’s services can significantly enhance the experience of obtaining and managing your car/auto insurance, providing expert advice, more choices, potential cost savings, and valuable support.
• Award-winning service: Incorporating a broker’s services can significantly enhance the experience of obtaining and managing your car/auto insurance, providing expert advice, more choices, potential cost savings, and valuable support.
• Driven by purpose:Since 1980, we’ve supported our local communities. Each year, we commit $1m+ into initiatives spanning DEI, food insecurity and more.

Factors affecting car insurance quote rates

Understanding what affects your auto insurance rates can help you find better deals:

• Driving record and history: A history free of accidents and violations can significantly lower your rates.
• Vehicle specifications: The make, model, and year of your car can influence repair costs and risk assessments.
• Location variance: Urban areas, especially those with higher instances of theft and accidents, may see higher rates.
• Demographic impact: Age, gender, and even marital status can play a role in determining your insurance costs.
• Usage and mileage: The frequency and purpose of your vehicle usage can impact your rates, as can the total annual mileage.

Understanding insurance coverages

Gain clarity on the various types of insurance coverages:

• Mandatory coverages: These are the legal minimums required in your province, typically including liability, accident benefits, and uninsured automobile coverage.
• Optional coverages: Policies like comprehensive and collision insurance provide extra layers of protection for scenarios beyond accidents, such as theft, vandalism, and natural disasters.

Car insurance by province

Insurance regulations, requirements, and average premiums differ across provinces. Our detailed guide covers each province’s specific car and auto insurance landscape, helping you understand how your location influences your insurance options.

1. Ontario

• System: Private insurance market.
• Mandatory coverages: Includes Liability Coverage, Direct Compensation, Uninsured Automobile Coverage, and Accident Benefits.
• Average Premiums: Among the highest in Canada, influenced by urban density and fraud rates in regions like the GTA.

2. Quebec

• System: A mix of public (SAAQ) and private insurance.
• Mandatory Coverages: Public insurance covers bodily injury, while private insurers cover property damage.
• Average Premiums: Generally lower due to the unique hybrid system.

3. British Columbia

• System: Primarily public insurance through ICBC.
• Mandatory Coverages: Includes basic liability, accident benefits, and underinsured motorist protection.
• Average Premiums: High, but reforms aim to reduce costs.

4. Alberta

• System: Private insurance market.
• Mandatory Coverages: Third-party liability and accident benefits are required.
• Average Premiums: Vary widely, with urban areas typically seeing higher rates.

5. Manitoba

• System: Public insurance provided by MPI.
• Mandatory Coverages: Basic all-perils coverage, including liability, accident benefits, and uninsured motorist protection.
• Average Premiums: Relatively stable due to the public model.

6. Saskatchewan

• System: A blend of public (SGI) and optional private insurance.
• Mandatory Coverages: Basic coverage provided by SGI, with optional enhancements from private insurers.
• Average Premiums: Mid-range, with the option to lower costs through private insurers.

7. Newfoundland and Labrador

• System: Private insurance market.
• Mandatory Coverages: Standard liability and accident benefits.
• Average Premiums: Relatively high, with efforts to reform the system for affordability.

8. Nova Scotia

• System: Private insurance market.
• Mandatory Coverages: Includes liability, accident benefits, and uninsured motorist coverage.
• Average Premiums: Moderate, with competitive private market options.

9. New Brunswick

• System: Private insurance market.
• Mandatory Coverages: Standard liability, direct compensation, accident benefits, and uninsured motorist coverage.
• Average Premiums: Generally moderate, influenced by regional risk factors.

10. Prince Edward Island

• System: Private insurance market.
• Mandatory Coverages: Includes liability, accident benefits, and uninsured motorist protection.
• Average Premiums: Among the lowest in Canada, benefiting from a smaller population and lower risk levels.

11. Yukon, Northwest Territories, and Nunavut

• System: Private insurance markets.
• Mandatory Coverages: Standard liability and accident benefits.
• Average Premiums: Varied, generally higher due to remote locations and transportation costs.

Ways to save on car insurance

Maximize your savings on car insurance by:

• Comparing quotes: Always shop around for the best rates and coverages.
• Bundling policies: Combine multiple insurance policies, such as home and auto, for potential discounts.
• Safe driving rewards: Many insurers offer discounts for consistent safe driving.
• Vehicle choice: Opting for a vehicle that’s less expensive to insure can lead to lower premiums.

Eligibility and restrictions

Insurance eligibility can be influenced by your driving history, vehicle type, and even past insurance claims. Understanding these factors can help you better navigate your options and potentially lower your rates.

Finalizing your insurance policy

Carefully review and understand the terms of your insurance policy before finalizing. Ensure that it aligns with your needs and offers adequate protection.

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